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$1,295,000
Niagara-on-the-Lake · Ontario L0S 1J0
127 days on market
Experience the ultimate lock-and-leave lifestyle at #5 - 175 Queen Street, a masterfully crafted, move-in-ready residence in historic Niagara-on-the-Lake. Perfect for retirees or those seeking a premium vacation getaway, this elegant home offers an effortless, easy-living lifestyle with high-quality finishes throughout. The gourmet kitchen is a chef's dream, boasting pristine white quartz countertops and high-end appliances that flow seamlessly into a bright living space anchored by a cozy gas f…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: BOSLEY REAL ESTATE LTD.,
Source: TRREB/PROPTX · MLS® X13464028
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,700 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $58,954 | $4,913/mo |
| Government & taxes | ||
| Property tax | $7,705 | $642/mo |
| Land transfer tax(closing) | $22,375 | $1,865/mo |
| Insurance & protection | ||
| Home insurance | $1,200 | $100/mo |
| Title insurance(closing) | $400 | $33/mo |
| Utilities | ||
| Hydro / electricity | $900 | $75/mo |
| Gas | $1,500 | $125/mo |
| Water & sewer | $720 | $60/mo |
| Internet / TV / phone | $840 | $70/mo |
| Maintenance & upkeep | ||
| Maintenance reserve (1.0%) | $12,950 | $1,079/mo |
| Condo fees | ||
| Condo / HOA fees | $7,956 | $663/mo |
| Closing costs (one-time) | ||
| Legal / lawyer(closing) | $2,500 | $208/mo |
| Home inspection(closing) | $600 | $50/mo |
| Moving costs(closing) | $2,000 | $167/mo |
| Total | $120,600 | $10,050/mo |
Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.